Date Received: 2023-09-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/2023 I was charged in error by XXXX for {$47.00} because of this charge i incurred ( XXXX ) overdraft fees of {$10.00} each. I called the merchant and explained the error and they credited my account. I spoke with a BOA rep who told me he could not reverse my fees. I would never have incurred without the {$47.00} charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX :, BK OF AMER : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Bank or America continues to report a charge off for a secured credit card from 2017. This account was secured my XXXX dollars. When I no longer wanted the card. I closed it with a XXXX dollar balance. Bank of America waited to close my account so they could charge interest on the XXXX. My account still shows available credit. There can be no credit on a secured card that is paid off and closed. If this was truly a charge of then it was a loss in 2017 which Bank of America reports on credit report. Something charge off cant be collected as this account was reported as a loss .This was a closed account by me in 2017. It continues even though this a direct violation the fair credit reporting act. This needs to be addressed. Every month or every few months they report it as a new delinquent which is fraudulent. I have contacted all credit agencies they continue to report, even in direct Violation of the fair reporting act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Hi, Bank of America has charged my account several times for " Legal Order Fees ''. The fees are more than the amount that was placed on the lien. On more than one occasion, they've drained all the money from account. They charge {$120.00} per legal order fee and refuse to reimburse my account. It's causing me great financial difficulties because of the fees.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I opened a checking account and a safe box someone sent a fraud garnishment, a spoof that they were with the State Board of Equalization after they tapped my phone and watched me go their the bank gave them more than {$2000.00} cash.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2023 My cell phone number was stolen from and transferred from XXXX XXXX to another carrier. XXXX promised a resolution in XXXX hours. XX/XX/2023 I received an email from BOA XXXX - direct deposit cash advance for XXXX XXXXXXXX against my BOA credit card to a XXXX account. I do not have an account there. I forwarded the email I received to XXXX stating that my cell number was stolen and I did not authorize this transaction. No reply or acknowledgement of my email was received. I phoned the fraud line and explained the situation ( I didnt make note of who I spoke to ) and was told that it was a phishing email. XX/XX/2023 I called BOA Fraud line again ( XXXX ) who passed my call to the balance transfer department ( XXXX ) who took my information and passed me back to fraud ( XXXX XXXX who cancelled the credit card. I removed the stolen cell phone number from on-line banking at BOA and checked for other fraudulent transactions. I received email from XXXX XXXX asking me to rate my call on XX/XX/XXXX ( XXXX XXXX ). I did not have a phone call with XXXX XXXX. Phoned and spoke to their fraud department ( XXXX ) and was told that a female impersonating me was trying to get a replacement card but hung up when she failed to answer the security questions. She knew my SSN, credit card number, DOB, address & my email address. I cancelled the credit card. XX/XX/2023 I received email from client feedback at BOA asking me to rate my call experience with XXXXXXXX XXXX. I never spoke to this person. BOA still reacting to the cell phone number that I advised them was stolen. I received an email from customer service at BOA that they were processing the cash advance of obviously ignoring the fraud claims previously filed. XX/XX/2023 After cell phone carrier failed to retrieve my stolen cell number, we had to open a new account to get new numbers. XX/XX/2023 BOA processed the XXXX XXXX ( + {$570.00} transaction fee ) transfer against my credit card despite my phone calls and visits to the bank. I scheduled another in-person meeting with XXXX XXXX at the local branch who was able to discover that that BOA was still accepting the stolen phone numbers IP address as verification and proceeded with this transfer. XXXX asked that the fraud cases be reopened. After the visit, I phoned the BOA fraud line again and they still asked for my stolen phone number for verification. After repeating the story, I asked why this number was still listed and how to get it removed as a reference. XX/XX/2023 Received another letter from BOA that again, the fraud claim had been closed again with the statement that I had verified the transaction. This was a repeat of the previous letter and BOA had again accepted the stolen numbers IP address from those impersonating me. XX/XX/2023 Phoned the fraud line telephone number on the BOA letter and spoke to XXXX. It was as if they were hearing this story for the first time. I explained again that my cell phone numbers were ported ( stolen ) and the thieves were using my phone number to verify banking transactions. XXXX reopened the fraud claim for the second time. Also spoke to XXXX. XX/XX/2023 Went to XXXX bank to see if they would provide information on the account to which the XXXX XXXX was deposited they would not. Then visited BOA local branch again then I called BOA fraud line ( XXXX ) and had to recount the entire story again ( on the phone for over XXXX hour ), provided police report number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have been trying to get this resolved since 2021 some funds were taken out of my account with out my access from my bank of america account the amount was {$3200.00} i also sent my military ID and my written statement and also gone to a branch of Bank of America to get my account verified, after sending all these documents nothing seem to work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: my bank account was compromised/hacked on XX/XX/XXXX and and some withdrew XXXX dollars without my knowledge or permission and bank of America denied my claim and they dont tell why
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90242
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a somewhat large check, $ XXXX, in my Bank of America Savings account in person at a local branch. The deposit was made XX/XX/2023. I am now being told the funds will not be available to me until XX/XX/XXXX due to a BofA " internal review '' process. The check is from a well-known mutual fund, XXXXXXXX XXXX and it's authenticity is easily verified. I do not think this is acceptable and I wonder if BofA is somehow benefitting from the use of my money " on the float ''. The whole situation could have been avoided if i was able to do an ACH transfer from XXXX. However, i was unable to do that because i had to submit hardcopy paperwork to XXXX with a " signature stamp '', something beyond a notarized signature that was not available at 3 different banks i checked in my area before giving up. I think this is XXXX 's way of making it difficult to withdraw money from their funds. In any case, the process of gaining access to my own money will have taken 6 weeks from the time i contacted XXXX...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: In XXXX, XXXX I was charged for two rooms in a hotel, when I actually only reserved ONE. My credit card was charged for the two rooms, and I was alerted by the hotel staff that it appeared that I had reserved two rooms, and I assured them I only needed one room. Since the room was booked through a third party, the hotel could not resolve the issue. I disputed the charge through the credit card issuer, and they kept using the wrong amount in dispute, and I had to amend the claim at least 3 times. After collecting my documents, I determined that I was overcharged by {$340.00}. Each time I amended the claim, it was denied, based on some time frame that was past due for resolving such claims. When I asked the CSR why, at no time, was I informed of the time constraint? They could only tell me that they were sorry, but they could not help me. I took me some time to track down some of the documentation also. I was advised to contact the third party, which I did, and I was told it wasn't their problem, it was the card issuer responsibility! Same old finger pointing! I feel as though {$340.00} was taken out of my pocket, and no one seems to XXXX XXXX XXXXXXXX about making me whole.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17552
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A